Mehrsa Baradaran examines how a significant portion of the population, deserted by banks, is forced to wander through a Wild West of payday lenders and check-cashing services to cover emergency expenses and pay for necessities all thanks to deregulation that began in the 1970s and continues decades later.In an age of corporate megabanks with trillions of dollars in assets, it is easy to forget that America s banking system was originally created as a public service. Banks have always relied on credit from the federal government, provided on favorable terms so that they could issue low-interest loans. But as banks grew in size and political influence, they shed their social contract with the American people, demanding to be treated as a private industry free from any public-serving responsibility. They abandoned less profitable, low-income customers in favor of wealthier clients and high-yield investments. Fringe lenders stepped in to fill the void. This two-tier banking system has become even more unequal since the 2008 financial crisis.Baradaran proposes a solution: reenlisting the U.S. Post Office in its historic function of providing bank services. The post office played an important but largely forgotten role in the creation of American democracy, and it could be deployed again to level the field of financial opportunity."

    Robert McChesney, whom Marc Crispin Miller calls the greatest of our media historians, maintains that the major beneficiaries of the so-called Information Age are no more than a handful of enormous corporations, and that this concentrated corporate control is disastrous for any notion of participatory democracy.In a book that Noam Chomsky hails as a rich, penetrating study, McChesney combines historical sweep and unprecedented detail on current events as he chronicles the recent waves of media mergers and acquisitions, as well as the corrupt and secretive enactment of public policies surrounding the Internet, digital television, and public broadcasting. He also addresses the gradual and ominous adaptation of the First Amendment as a means of shielding corporate media power, and debunks the myth that the market compels media firms to give the people what they want.

    Mike Davis shows us where the city's money comes from and who controls it while also exposing the brutal ongoing struggle between L.A.'s haves and have-nots.

    The book argues for a realization of the finite nature of our resources, and the impact should we continue squandering them.

    We see how they rebrand themselves as saviors of the poor; how they lavishly reward "thought leaders" who redefine "change" in winner-friendly ways; and how they constantly seek to do more good, but never less harm. We hear the limousine confessions of a celebrated foundation boss; witness an American president hem and haw about his plutocratic benefactors; and attend a cruise-ship conference where entrepreneurs celebrate their own self-interested magnanimity.Giridharadas asks hard questions: Why, for example, should our gravest problems be solved by the unelected upper crust instead of the public institutions it erodes by lobbying and dodging taxes? He also points toward an answer: Rather than rely on scraps from the winners, we must take on the grueling democratic work of building more robust, egalitarian institutions and truly changing the world. A call to action for elites and everyday citizens alike.

    On the way, he goes down the halls of the Elysée Palace with Nicolas Sarkozy, up in a helicopter above Barbra Streisand's house on the California coast, and into the world of the original Mad Men.Through fascinating characters and brilliantly told stories, Wallman introduces the innovators whose lifestyles provide clues to how we will all be living tomorrow, and he makes some of the world's most counterintuitive, radical, and worldchanging ideas feel inspiring – and possible for us all.

    Swedroe describes the crucial difference between "active" and "passive" mutual funds, and tells you how you can win the investment game through long-term investments in such indexes as the S&P 500 instead of through the active buying and selling of stocks. A revised and updated edition of an investment classic, "The Only Guide to a Winning Investment Strategy You'll Ever Need" remains clear, understandable, and effective. This edition contains a new chapter comparing index funds, ETFs, and passive asset class funds, an expanded section on portfolio care and maintenance, the addition of Swedroe's 15 Rules of Prudent Investing, and much more. In clear language, Swedroe shows how the newer index mutual funds out-earn, out-perform, and out-compound the older funds, and how to select a balance "passive" portfolio for the long hail that will repay you many times over. This indispensable book also provides you with valuable information about: - The efficiency of markets today- The five factors that determine expected returns of a balanced equity and fixed income portfolio- Important facts about volatility, return, and risk- Six steps to building a diversified portfolio using Modern Portfolio Theory- Implementing the winning strategy- and more.

    Written for the non-scientist, Gaia is a journey through time and space in search of evidence with which to support a new and radically different model of our planet. In contrast to conventional belief that living matter is passive in the face of threats to its existence, the book explores the hypothesis that the earth's living matter-air, ocean, and land surfaces-forms a complex system that has the capacity to keep the Earth a fit place for life. Since Gaia was first published, many of Jim Lovelock's predictions have come true, and his theory has become a hotly argued topic in scientific circles. Here, in a new Preface, Lovelock outlines his present state of the debate.

    one of the most important and readable works on the human past published in recent years."Winner of the Pulitzer Prize and a national bestseller: the global account of the rise of civilization that is also a stunning refutation of ideas of human development based on race.In this "artful, informative, and delightful" (William H. McNeill, New York Review of Books) book, Jared Diamond convincingly argues that geographical and environmental factors shaped the modern world. Societies that had a head start in food production advanced beyond the hunter-gatherer stage, and then developed writing, technology, government, and organized religion—as well as nasty germs and potent weapons of war—and adventured on sea and land to conquer and decimate preliterate cultures. A major advance in our understanding of human societies, Guns, Germs, and Steel chronicles the way that the modern world came to be and stunningly dismantles racially based theories of human history.Winner of the Pulitzer Prize, the Phi Beta Kappa Award in Science, the Rhone-Poulenc Prize, and the Commonwealth Club of California's Gold Medal

    Today, buffeted by one food fad after another, America is suffering from what can only be described as a national eating disorder. The omnivore's dilemma has returned with a vengeance, as the cornucopia of the modern American supermarket and fast-food outlet confronts us with a bewildering and treacherous food landscape. What's at stake in our eating choices is not only our own and our children's health, but the health of the environment that sustains life on earth.The Omnivore's Dilemma is a groundbreaking book in which one of America's most fascinating, original, and elegant writers turns his own omnivorous mind to the seemingly straightforward question of what we should have for dinner. The question has confronted us since man discovered fire, but, according to Michael Pollan, the bestselling author of The Botany of Desire, how we answer it today, ath the dawn of the twenty-first century, may well determine our very survival as a species. Should we eat a fast-food hamburger? Something organic? Or perhaps something we hunt, gather or grow ourselves?To find out, Pollan follows each of the food chains that sustain us—industrial food, organic or alternative food, and food we forage ourselves—from the source to a final meal, and in the process develops a definitive account of the American way of eating. His absorbing narrative takes us from Iowa cornfields to food laboratories, from feedlots and fast-food restaurants to organic farms and hunting grounds, always emphasizing our dynamic coevolutionary relationship with the handful of plant and animal species we depend on. Each time Pollan sits down to a meal, he deploys his unique blend of personal and investigative journalism to trace the origins of everything consumed, revealing what we unwittingly ingest and explaining how our taste for particular foods and flavors reflects our evolutionary inheritance.The surprising answers Pollan offers to the simple question posed by this book have profound political, economic, psychological, and even mortal implications for all of us. Ultimately, this is a book as much about visionary solutions as it is about problems, and Pollan contends that, when it comes to food, doing the right thing often turns out to be the tastiest thing an eater can do. Beautifully written and thrillingly argued, The Omnivore's Dilemma promises to change the way we think about the politics and pleasure of eating. For anyone who reads it, dinner will never again look, or taste, quite the same.

    Other writers have shown that once we have sufficient food, shelter, and clothing, further material gains do little to improve our well-being. Kasser goes beyond these findings to investigate how people's materialistic desires relate to their well-being. He shows that people whose values center on the accumulation of wealth or material possessions face a greater risk of unhappiness, including anxiety, depression, low self-esteem, and problems with intimacy--regardless of age, income, or culture.Drawing on a decade's worth of empirical data, Kasser examines what happens when we organize our lives around materialistic pursuits. He looks at the effects on our internal experience and interpersonal relationships, as well as on our communities and the world at large. He shows that materialistic values actually undermine our well-being, as they perpetuate feelings of insecurity, weaken the ties that bind us, and make us feel less free. Kasser not only defines the problem but proposes ways we can change ourselves, our families, and society to become less materialistic.

    In fact, the average house hacker can turn a single family home or small multifamily property into a cash-flowing investment: You can collect rent that completely covers your living expenses—and then some!In this book, serial house hacker Craig Curelop lays out the in-depth details to make your first (or next) house hack a success.What's inside:- What house hacking is and why it’s one of the best methods for building wealth- The incredible connection between house hacking, wealth building, and early retirement- How to get started house hacking—even with low income or low savings- Strategies to house hack with a family, spouse, or on your own- How to find the ideal house hack property—even in a competitive or expensive market- The simple math behind a house hack property analysis- Property management strategies to make ownership a breezeHouse hacking doesn't have to be a mystery. Discover why so many successful investors support their investment careers with house hacking—and learn from a frugality expert who has “hacked” his way towards financial freedom!

    Haraway offers provocative new ways to reconfigure our relations to the earth and all its inhabitants. She eschews referring to our current epoch as the Anthropocene, preferring to conceptualize it as what she calls the Chthulucene, as it more aptly and fully describes our epoch as one in which the human and nonhuman are inextricably linked in tentacular practices. The Chthulucene, Haraway explains, requires sym-poiesis, or making-with, rather than auto-poiesis, or self-making. Learning to stay with the trouble of living and dying together on a damaged earth will prove more conducive to the kind of thinking that would provide the means to building more livable futures. Theoretically and methodologically driven by the signifier SF—string figures, science fact, science fiction, speculative feminism, speculative fabulation, so far—Staying with the Trouble further cements Haraway's reputation as one of the most daring and original thinkers of our time.

    Both state control and privatization of resources have been advocated, but neither the state nor the market have been uniformly successful in solving common pool resource problems. After critiquing the foundations of policy analysis as applied to natural resources, Elinor Ostrom here provides a unique body of empirical data to explore conditions under which common pool resource problems have been satisfactorily or unsatisfactorily solved. Dr. Ostrom first describes three models most frequently used as the foundation for recommending state or market solutions. She then outlines theoretical and empirical alternatives to these models in order to illustrate the diversity of possible solutions. In the following chapters she uses institutional analysis to examine different ways--both successful and unsuccessful--of governing the commons. In contrast to the proposition of the tragedy of the commons argument, common pool problems sometimes are solved by voluntary organizations rather than by a coercive state. Among the cases considered are communal tenure in meadows and forests, irrigation communities and other water rights, and fisheries.

    John Maynard Keynes, the mercurial Cambridge economist, believed that government had a duty to spend when others would not. He met his opposite in a little-known Austrian economics professor, Freidrich Hayek, who considered attempts to intervene both pointless and potentially dangerous. The battle lines thus drawn, Keynesian economics would dominate for decades and coincide with an era of unprecedented prosperity, but conservative economists and political leaders would eventually embrace and execute Hayek's contrary vision.From their first face-to-face encounter to the heated arguments between their ardent disciples, Nicholas Wapshott here unearths the contemporary relevance of Keynes and Hayek, as present-day arguments over the virtues of the free market and government intervention rage with the same ferocity as they did in the 1930s.